Is it hard to withdraw money from a Roth? I was planning to use that as an emergency fund rather than having a separate emergency savings account.
I'm also allowed to put in more than $1500, up to $16,500 I think. Anything above $1500 doesn't get matched at any time.
So if I allocate money toward retirement, I then have to decide which retirement fund. What are the advantages/disadvantages of putting it in a regular IRA, Roth IRA, and 401(k)?
Finally, how will this affect my credit score and ability to get a loan, especially a mortgage? If I pay off the student loan, that raises my credit score, but I'll also have less to put toward a down payment, which means higher mortgage rates and more to borrow.